Home | ACCA GlobalSkimming the Surface How Skimmer Fraud Has Become a Global Epidemic A research...
48
Transcript of Home | ACCA GlobalSkimming the Surface How Skimmer Fraud Has Become a Global Epidemic A research...
![Page 1: Home | ACCA GlobalSkimming the Surface How Skimmer Fraud Has Become a Global Epidemic A research paper by Dr. Darren R. Hayes of Pace University sponsored by ACCA USA February 14,](https://reader036.fdocuments.net/reader036/viewer/2022062605/5fda35ebb0b96c5335360dfc/html5/thumbnails/1.jpg)
![Page 2: Home | ACCA GlobalSkimming the Surface How Skimmer Fraud Has Become a Global Epidemic A research paper by Dr. Darren R. Hayes of Pace University sponsored by ACCA USA February 14,](https://reader036.fdocuments.net/reader036/viewer/2022062605/5fda35ebb0b96c5335360dfc/html5/thumbnails/2.jpg)
![Page 3: Home | ACCA GlobalSkimming the Surface How Skimmer Fraud Has Become a Global Epidemic A research paper by Dr. Darren R. Hayes of Pace University sponsored by ACCA USA February 14,](https://reader036.fdocuments.net/reader036/viewer/2022062605/5fda35ebb0b96c5335360dfc/html5/thumbnails/3.jpg)
![Page 4: Home | ACCA GlobalSkimming the Surface How Skimmer Fraud Has Become a Global Epidemic A research paper by Dr. Darren R. Hayes of Pace University sponsored by ACCA USA February 14,](https://reader036.fdocuments.net/reader036/viewer/2022062605/5fda35ebb0b96c5335360dfc/html5/thumbnails/4.jpg)
![Page 5: Home | ACCA GlobalSkimming the Surface How Skimmer Fraud Has Become a Global Epidemic A research paper by Dr. Darren R. Hayes of Pace University sponsored by ACCA USA February 14,](https://reader036.fdocuments.net/reader036/viewer/2022062605/5fda35ebb0b96c5335360dfc/html5/thumbnails/5.jpg)
![Page 6: Home | ACCA GlobalSkimming the Surface How Skimmer Fraud Has Become a Global Epidemic A research paper by Dr. Darren R. Hayes of Pace University sponsored by ACCA USA February 14,](https://reader036.fdocuments.net/reader036/viewer/2022062605/5fda35ebb0b96c5335360dfc/html5/thumbnails/6.jpg)
![Page 7: Home | ACCA GlobalSkimming the Surface How Skimmer Fraud Has Become a Global Epidemic A research paper by Dr. Darren R. Hayes of Pace University sponsored by ACCA USA February 14,](https://reader036.fdocuments.net/reader036/viewer/2022062605/5fda35ebb0b96c5335360dfc/html5/thumbnails/7.jpg)
![Page 8: Home | ACCA GlobalSkimming the Surface How Skimmer Fraud Has Become a Global Epidemic A research paper by Dr. Darren R. Hayes of Pace University sponsored by ACCA USA February 14,](https://reader036.fdocuments.net/reader036/viewer/2022062605/5fda35ebb0b96c5335360dfc/html5/thumbnails/8.jpg)
![Page 9: Home | ACCA GlobalSkimming the Surface How Skimmer Fraud Has Become a Global Epidemic A research paper by Dr. Darren R. Hayes of Pace University sponsored by ACCA USA February 14,](https://reader036.fdocuments.net/reader036/viewer/2022062605/5fda35ebb0b96c5335360dfc/html5/thumbnails/9.jpg)
![Page 10: Home | ACCA GlobalSkimming the Surface How Skimmer Fraud Has Become a Global Epidemic A research paper by Dr. Darren R. Hayes of Pace University sponsored by ACCA USA February 14,](https://reader036.fdocuments.net/reader036/viewer/2022062605/5fda35ebb0b96c5335360dfc/html5/thumbnails/10.jpg)
![Page 11: Home | ACCA GlobalSkimming the Surface How Skimmer Fraud Has Become a Global Epidemic A research paper by Dr. Darren R. Hayes of Pace University sponsored by ACCA USA February 14,](https://reader036.fdocuments.net/reader036/viewer/2022062605/5fda35ebb0b96c5335360dfc/html5/thumbnails/11.jpg)
![Page 12: Home | ACCA GlobalSkimming the Surface How Skimmer Fraud Has Become a Global Epidemic A research paper by Dr. Darren R. Hayes of Pace University sponsored by ACCA USA February 14,](https://reader036.fdocuments.net/reader036/viewer/2022062605/5fda35ebb0b96c5335360dfc/html5/thumbnails/12.jpg)
![Page 13: Home | ACCA GlobalSkimming the Surface How Skimmer Fraud Has Become a Global Epidemic A research paper by Dr. Darren R. Hayes of Pace University sponsored by ACCA USA February 14,](https://reader036.fdocuments.net/reader036/viewer/2022062605/5fda35ebb0b96c5335360dfc/html5/thumbnails/13.jpg)
![Page 14: Home | ACCA GlobalSkimming the Surface How Skimmer Fraud Has Become a Global Epidemic A research paper by Dr. Darren R. Hayes of Pace University sponsored by ACCA USA February 14,](https://reader036.fdocuments.net/reader036/viewer/2022062605/5fda35ebb0b96c5335360dfc/html5/thumbnails/14.jpg)
![Page 15: Home | ACCA GlobalSkimming the Surface How Skimmer Fraud Has Become a Global Epidemic A research paper by Dr. Darren R. Hayes of Pace University sponsored by ACCA USA February 14,](https://reader036.fdocuments.net/reader036/viewer/2022062605/5fda35ebb0b96c5335360dfc/html5/thumbnails/15.jpg)
![Page 16: Home | ACCA GlobalSkimming the Surface How Skimmer Fraud Has Become a Global Epidemic A research paper by Dr. Darren R. Hayes of Pace University sponsored by ACCA USA February 14,](https://reader036.fdocuments.net/reader036/viewer/2022062605/5fda35ebb0b96c5335360dfc/html5/thumbnails/16.jpg)
![Page 17: Home | ACCA GlobalSkimming the Surface How Skimmer Fraud Has Become a Global Epidemic A research paper by Dr. Darren R. Hayes of Pace University sponsored by ACCA USA February 14,](https://reader036.fdocuments.net/reader036/viewer/2022062605/5fda35ebb0b96c5335360dfc/html5/thumbnails/17.jpg)
![Page 18: Home | ACCA GlobalSkimming the Surface How Skimmer Fraud Has Become a Global Epidemic A research paper by Dr. Darren R. Hayes of Pace University sponsored by ACCA USA February 14,](https://reader036.fdocuments.net/reader036/viewer/2022062605/5fda35ebb0b96c5335360dfc/html5/thumbnails/18.jpg)
![Page 19: Home | ACCA GlobalSkimming the Surface How Skimmer Fraud Has Become a Global Epidemic A research paper by Dr. Darren R. Hayes of Pace University sponsored by ACCA USA February 14,](https://reader036.fdocuments.net/reader036/viewer/2022062605/5fda35ebb0b96c5335360dfc/html5/thumbnails/19.jpg)
![Page 20: Home | ACCA GlobalSkimming the Surface How Skimmer Fraud Has Become a Global Epidemic A research paper by Dr. Darren R. Hayes of Pace University sponsored by ACCA USA February 14,](https://reader036.fdocuments.net/reader036/viewer/2022062605/5fda35ebb0b96c5335360dfc/html5/thumbnails/20.jpg)
![Page 21: Home | ACCA GlobalSkimming the Surface How Skimmer Fraud Has Become a Global Epidemic A research paper by Dr. Darren R. Hayes of Pace University sponsored by ACCA USA February 14,](https://reader036.fdocuments.net/reader036/viewer/2022062605/5fda35ebb0b96c5335360dfc/html5/thumbnails/21.jpg)
![Page 22: Home | ACCA GlobalSkimming the Surface How Skimmer Fraud Has Become a Global Epidemic A research paper by Dr. Darren R. Hayes of Pace University sponsored by ACCA USA February 14,](https://reader036.fdocuments.net/reader036/viewer/2022062605/5fda35ebb0b96c5335360dfc/html5/thumbnails/22.jpg)
![Page 23: Home | ACCA GlobalSkimming the Surface How Skimmer Fraud Has Become a Global Epidemic A research paper by Dr. Darren R. Hayes of Pace University sponsored by ACCA USA February 14,](https://reader036.fdocuments.net/reader036/viewer/2022062605/5fda35ebb0b96c5335360dfc/html5/thumbnails/23.jpg)
![Page 24: Home | ACCA GlobalSkimming the Surface How Skimmer Fraud Has Become a Global Epidemic A research paper by Dr. Darren R. Hayes of Pace University sponsored by ACCA USA February 14,](https://reader036.fdocuments.net/reader036/viewer/2022062605/5fda35ebb0b96c5335360dfc/html5/thumbnails/24.jpg)
![Page 25: Home | ACCA GlobalSkimming the Surface How Skimmer Fraud Has Become a Global Epidemic A research paper by Dr. Darren R. Hayes of Pace University sponsored by ACCA USA February 14,](https://reader036.fdocuments.net/reader036/viewer/2022062605/5fda35ebb0b96c5335360dfc/html5/thumbnails/25.jpg)
![Page 26: Home | ACCA GlobalSkimming the Surface How Skimmer Fraud Has Become a Global Epidemic A research paper by Dr. Darren R. Hayes of Pace University sponsored by ACCA USA February 14,](https://reader036.fdocuments.net/reader036/viewer/2022062605/5fda35ebb0b96c5335360dfc/html5/thumbnails/26.jpg)
![Page 27: Home | ACCA GlobalSkimming the Surface How Skimmer Fraud Has Become a Global Epidemic A research paper by Dr. Darren R. Hayes of Pace University sponsored by ACCA USA February 14,](https://reader036.fdocuments.net/reader036/viewer/2022062605/5fda35ebb0b96c5335360dfc/html5/thumbnails/27.jpg)
![Page 28: Home | ACCA GlobalSkimming the Surface How Skimmer Fraud Has Become a Global Epidemic A research paper by Dr. Darren R. Hayes of Pace University sponsored by ACCA USA February 14,](https://reader036.fdocuments.net/reader036/viewer/2022062605/5fda35ebb0b96c5335360dfc/html5/thumbnails/28.jpg)
![Page 29: Home | ACCA GlobalSkimming the Surface How Skimmer Fraud Has Become a Global Epidemic A research paper by Dr. Darren R. Hayes of Pace University sponsored by ACCA USA February 14,](https://reader036.fdocuments.net/reader036/viewer/2022062605/5fda35ebb0b96c5335360dfc/html5/thumbnails/29.jpg)
![Page 30: Home | ACCA GlobalSkimming the Surface How Skimmer Fraud Has Become a Global Epidemic A research paper by Dr. Darren R. Hayes of Pace University sponsored by ACCA USA February 14,](https://reader036.fdocuments.net/reader036/viewer/2022062605/5fda35ebb0b96c5335360dfc/html5/thumbnails/30.jpg)
![Page 31: Home | ACCA GlobalSkimming the Surface How Skimmer Fraud Has Become a Global Epidemic A research paper by Dr. Darren R. Hayes of Pace University sponsored by ACCA USA February 14,](https://reader036.fdocuments.net/reader036/viewer/2022062605/5fda35ebb0b96c5335360dfc/html5/thumbnails/31.jpg)
![Page 32: Home | ACCA GlobalSkimming the Surface How Skimmer Fraud Has Become a Global Epidemic A research paper by Dr. Darren R. Hayes of Pace University sponsored by ACCA USA February 14,](https://reader036.fdocuments.net/reader036/viewer/2022062605/5fda35ebb0b96c5335360dfc/html5/thumbnails/32.jpg)
![Page 33: Home | ACCA GlobalSkimming the Surface How Skimmer Fraud Has Become a Global Epidemic A research paper by Dr. Darren R. Hayes of Pace University sponsored by ACCA USA February 14,](https://reader036.fdocuments.net/reader036/viewer/2022062605/5fda35ebb0b96c5335360dfc/html5/thumbnails/33.jpg)
![Page 34: Home | ACCA GlobalSkimming the Surface How Skimmer Fraud Has Become a Global Epidemic A research paper by Dr. Darren R. Hayes of Pace University sponsored by ACCA USA February 14,](https://reader036.fdocuments.net/reader036/viewer/2022062605/5fda35ebb0b96c5335360dfc/html5/thumbnails/34.jpg)
![Page 35: Home | ACCA GlobalSkimming the Surface How Skimmer Fraud Has Become a Global Epidemic A research paper by Dr. Darren R. Hayes of Pace University sponsored by ACCA USA February 14,](https://reader036.fdocuments.net/reader036/viewer/2022062605/5fda35ebb0b96c5335360dfc/html5/thumbnails/35.jpg)
![Page 36: Home | ACCA GlobalSkimming the Surface How Skimmer Fraud Has Become a Global Epidemic A research paper by Dr. Darren R. Hayes of Pace University sponsored by ACCA USA February 14,](https://reader036.fdocuments.net/reader036/viewer/2022062605/5fda35ebb0b96c5335360dfc/html5/thumbnails/36.jpg)
![Page 37: Home | ACCA GlobalSkimming the Surface How Skimmer Fraud Has Become a Global Epidemic A research paper by Dr. Darren R. Hayes of Pace University sponsored by ACCA USA February 14,](https://reader036.fdocuments.net/reader036/viewer/2022062605/5fda35ebb0b96c5335360dfc/html5/thumbnails/37.jpg)
![Page 38: Home | ACCA GlobalSkimming the Surface How Skimmer Fraud Has Become a Global Epidemic A research paper by Dr. Darren R. Hayes of Pace University sponsored by ACCA USA February 14,](https://reader036.fdocuments.net/reader036/viewer/2022062605/5fda35ebb0b96c5335360dfc/html5/thumbnails/38.jpg)
![Page 39: Home | ACCA GlobalSkimming the Surface How Skimmer Fraud Has Become a Global Epidemic A research paper by Dr. Darren R. Hayes of Pace University sponsored by ACCA USA February 14,](https://reader036.fdocuments.net/reader036/viewer/2022062605/5fda35ebb0b96c5335360dfc/html5/thumbnails/39.jpg)
![Page 40: Home | ACCA GlobalSkimming the Surface How Skimmer Fraud Has Become a Global Epidemic A research paper by Dr. Darren R. Hayes of Pace University sponsored by ACCA USA February 14,](https://reader036.fdocuments.net/reader036/viewer/2022062605/5fda35ebb0b96c5335360dfc/html5/thumbnails/40.jpg)
![Page 41: Home | ACCA GlobalSkimming the Surface How Skimmer Fraud Has Become a Global Epidemic A research paper by Dr. Darren R. Hayes of Pace University sponsored by ACCA USA February 14,](https://reader036.fdocuments.net/reader036/viewer/2022062605/5fda35ebb0b96c5335360dfc/html5/thumbnails/41.jpg)
![Page 42: Home | ACCA GlobalSkimming the Surface How Skimmer Fraud Has Become a Global Epidemic A research paper by Dr. Darren R. Hayes of Pace University sponsored by ACCA USA February 14,](https://reader036.fdocuments.net/reader036/viewer/2022062605/5fda35ebb0b96c5335360dfc/html5/thumbnails/42.jpg)
![Page 43: Home | ACCA GlobalSkimming the Surface How Skimmer Fraud Has Become a Global Epidemic A research paper by Dr. Darren R. Hayes of Pace University sponsored by ACCA USA February 14,](https://reader036.fdocuments.net/reader036/viewer/2022062605/5fda35ebb0b96c5335360dfc/html5/thumbnails/43.jpg)
![Page 44: Home | ACCA GlobalSkimming the Surface How Skimmer Fraud Has Become a Global Epidemic A research paper by Dr. Darren R. Hayes of Pace University sponsored by ACCA USA February 14,](https://reader036.fdocuments.net/reader036/viewer/2022062605/5fda35ebb0b96c5335360dfc/html5/thumbnails/44.jpg)
![Page 45: Home | ACCA GlobalSkimming the Surface How Skimmer Fraud Has Become a Global Epidemic A research paper by Dr. Darren R. Hayes of Pace University sponsored by ACCA USA February 14,](https://reader036.fdocuments.net/reader036/viewer/2022062605/5fda35ebb0b96c5335360dfc/html5/thumbnails/45.jpg)
![Page 46: Home | ACCA GlobalSkimming the Surface How Skimmer Fraud Has Become a Global Epidemic A research paper by Dr. Darren R. Hayes of Pace University sponsored by ACCA USA February 14,](https://reader036.fdocuments.net/reader036/viewer/2022062605/5fda35ebb0b96c5335360dfc/html5/thumbnails/46.jpg)
![Page 47: Home | ACCA GlobalSkimming the Surface How Skimmer Fraud Has Become a Global Epidemic A research paper by Dr. Darren R. Hayes of Pace University sponsored by ACCA USA February 14,](https://reader036.fdocuments.net/reader036/viewer/2022062605/5fda35ebb0b96c5335360dfc/html5/thumbnails/47.jpg)
![Page 48: Home | ACCA GlobalSkimming the Surface How Skimmer Fraud Has Become a Global Epidemic A research paper by Dr. Darren R. Hayes of Pace University sponsored by ACCA USA February 14,](https://reader036.fdocuments.net/reader036/viewer/2022062605/5fda35ebb0b96c5335360dfc/html5/thumbnails/48.jpg)